Maria Carreno/ Mortgage Loan Officer

Maria Carreno/ Mortgage Loan Officer Helping you with your house buying process

Ayudandote con el proceso de comprar tu casa

07/06/2026

Muchos creen que financiar un carro es la mejor forma de crear crédito, pero en mi caso prefiero las tarjetas de crédito.

¿Por qué?
✅ Tienes más control sobre el monto que utilizas.
✅ Puedes mantener una baja utilización de crédito.
✅ Si pagas el total a tiempo, evitas pagar intereses.
✅ Te ayudan a construir un historial sólido sin asumir una deuda tan grande.

Maria Carreno
Mortgage banker
Atlantic bay mortgage group
NMLS #1952817 license in VA & NJ
434-329-8906
[email protected]
Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

07/02/2026

Ser migrante no fue un límite para comprar mi primera casa a los 25 años. 🙌🏽

Hoy, como prestamista, ayudo a más familias a hacer realidad ese mismo sueño.

¿Quieres saber cómo lo hice? Dale play. 🏡

Maria Carreno
Mortgage banker
Atlantic bay mortgage group
NMLS #1952817 license in VA & NJ
434-329-8906
[email protected]
Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

07/01/2026

Genuine question: how many of these can you check off?
Most first-time buyers talk themselves out of homeownership before they ever talk to anyone who actually knows. This checklist is a starting point, not a final answer. And if you checked off even a few of these, it is worth a conversation.
https://myoc.io/mariacarrenoapply



NMLS # 1952817

06/29/2026

Comprar un carro antes de una casa puede parecer una buena idea, pero también puede disminuir el monto para el que calificas en una hipoteca. Si tu meta es ser propietario este año, planifica con estrategia. 💡🏡

Maria Carreno
Mortgage banker
Atlantic bay mortgage group
NMLS #1952817 license in VA & NJ
434-329-8906
[email protected]
Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

Homeownership feels like a win, and no doubt it’s neat, but surprises in the house? They can knock you off your feet. Le...
06/29/2026

Homeownership feels like a win, and no doubt it’s neat,
but surprises in the house? They can knock you off your feet.
Let’s talk about building your home emergency fund.
https://myoc.io/mariacarrenoapply/RxiTP



NMLS # 1952817

Whether you're buying your first home, your next home, or looking to refinance, my team and I are here to listen, answer...
06/26/2026

Whether you're buying your first home, your next home, or looking to refinance, my team and I are here to listen, answer your questions, and guide you every step of the way. We're committed to putting people first and making the process as smooth as possible. Weekdays, weekends, whenever you need us.



NMLS # 1952817

Turn your home equity into opportunity! 💡 Your home’s value isn’t just sitting there—it can be a smart tool for your fut...
06/26/2026

Turn your home equity into opportunity! 💡 Your home’s value isn’t just sitting there—it can be a smart tool for your future. Whether you’re looking to boost retirement savings, fund dream travel, or downsize into something simpler, your equity can help you get there. Thinking about your next move? Let’s talk about how your home can work for you.

📌 Not a commitment to lend. Loan approval required. Terms and conditions apply.
https://myoc.io/mariacarrenoapply



NMLS # 1952817

06/25/2026

3 cosas que haría si quisiera comprar casa en Estados Unidos en 2 años:

1.⁠ ⁠Aprender cómo funciona el sistema crediticio (score, historial, requisitos).
2.⁠ ⁠Conseguir un empleo estable con ingresos demostrables.
3.⁠ ⁠Hablar con un prestamista para conocer opciones de préstamo y pasos reales.

Maria Carreno
Mortgage banker
Atlantic bay mortgage group
NMLS #1952817 license in VA & NJ
434-329-8906
[email protected]
Information is for educational purposes only and should not be relied upon by you. Information deemed reliable but not guaranteed. All loans subject to income verification, credit approval and property appraisal. Not a commitment to lend. Atlantic Bay Mortgage Group, L.L.C. NMLS #72043 (nmlsconsumeraccess.org) is an Equal Opportunity Lender. Located at 600 Lynnhaven Parkway Suite 100 Virginia Beach, VA 23452.

06/22/2026

El miedo a lo desconocido no debería alejarte de tu casa soñada. 🏠✨
Infórmate, asesórate y deja que un experto te acompañe en el proceso.

Maria Carreno
Mortgage banker
Atlantic bay mortgage group
NMLS #1952817 license in VA & NJ
434-329-8906
[email protected]

Newlyweds, here's a thought:Ask your guests to contribute to a down payment fund instead of traditionalregistry gifts. I...
06/22/2026

Newlyweds, here's a thought:

Ask your guests to contribute to a down payment fund instead of traditional
registry gifts. It's simple to set up, easy to share, and the payoff is kind of a lot
better than a fourth set of w**e glasses. When you're ready to turn that fund into
a front door, I’m here to help you figure out the next steps. Reach out anytime.



NMLS # 1952817

Address

100 Northwynd Cir Suite A
Lynchburg, VA
24502

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